open coupons priced, UPI asides

app/channels.py

@@ -18,7 +18,7 @@ from typing import Dict, List, Optional
 
 from availability import channel_availability
 from card_catalogue import CATALOGUE_BY_ID
-from offers import active_offers_for, best_open_offer, best_conditional_offer
+from offers import active_offers_for, best_open_offer, best_conditional_offer, best_upi_offer
 from scoring_engine import TxnContext, score_transaction, _r2
 
 # Brands that are themselves a booking platform: when the user's query resolved
@@ -428,6 +428,9 @@ def compare_channels(
         open_inr, open_text, open_code, open_prebook = best_open_offer(ctx.offers, price, category, ch["channel"])
         # Claimable only on a first booking. Reported, never priced.
         cond_inr, cond_text, cond_code, _cond_prebook = best_conditional_offer(ctx.offers, price, category, ch["channel"])
+        # Claimable only by paying UPI instead of the card. Reported, never
+        # priced - like EMI, the user hears the trade and decides.
+        upi_inr, upi_text, upi_code = best_upi_offer(ctx.offers, price, category, ch["channel"])
         # A bank offer and a public promo code are NOT assumed to stack. Most
         # Indian OTAs make them mutually exclusive, and we have no evidence
         # either way for any given pair - so take the better of the two rather
@@ -469,6 +472,12 @@ def compare_channels(
             "emi_offer_inr": top.get("emi_offer_inr", 0.0),
             "emi_offer_text": top.get("emi_offer_text"),
             "emi_offer_code": top.get("emi_offer_code"),
+            # UPI-only coupon at this channel (EMTUPI, UPIPAY): claimable by
+            # paying UPI instead of the card, forfeiting its rewards. A
+            # labelled aside, never in cash_off / net_cost / savings.
+            "upi_offer_inr": _r2(upi_inr),
+            "upi_offer_text": upi_text,
+            "upi_offer_code": upi_code,
             "open_discount_inr": _r2(open_inr),
             "open_discount_text": open_text,
             # Named so the user can actually type it. An offer we price but cannot

app/offers.py

@@ -587,6 +587,37 @@ def best_conditional_offer(offs: List[Dict], amount: float, category: Optional[s
     return _best_unlinked(offs, amount, category, channel, conditional=True)
 
 
+def best_upi_offer(offs: List[Dict], amount: float, category: Optional[str] = None,
+                   channel: Optional[str] = None):
+    """Best open discount that only a UPI payment can claim (EMTUPI, UPIPAY).
+
+    A UPI coupon is real, checkable money - the user just has to pay by UPI
+    instead of the card we are recommending, forfeiting the card's rewards. So
+    like EMI it is a labelled aside, never inside the card answer or the price:
+    the user hears the trade in so many words and decides. Only unlinked rows;
+    a card-linked offer confined to a payments app stays dropped outright
+    (scoring_engine._offer_applies), because no card can claim it as a card.
+    Returns (rupees, text|None, code|None)."""
+    best, note, code = 0.0, None, None
+    for off in (offs or []):
+        if not off.get("requires_upi_app"):
+            continue
+        if is_card_linked(off) or off.get("requires_debit") or off.get("requires_emi"):
+            continue
+        if off.get("requires_new_user"):
+            continue
+        if off.get("requires_promo_code") and not (off.get("promo_code") or "").strip():
+            continue
+        och = off.get("channel", "both")
+        if channel and och != "both" and och != channel:
+            continue
+        val = offer_value(off, amount, category)
+        if val > best:
+            best, note = val, _display(off.get("text") or off.get("evidence"))
+            code = (off.get("promo_code") or "").strip() or None
+    return best, note, code
+
+
 def _best_unlinked(offs, amount, category, channel, conditional: bool):
     """conditional=False -> discounts anyone can actually take today.
     conditional=True  -> real, quoted, but gated on something we cannot check."""

app/offers_data/curated_offers.json

@@ -7463,5 +7463,208 @@
   "source": "https://www.ixigo.com/offers",
   "last_verified": "2026-07-29",
   "evidence": "Up to ₹2,000 Off on Domestic Flights with HDFC Bank Credit Card + Interest Free EMI"
+ },
+ {
+  "id": "of_easemytrip__pct_a8a240",
+  "merchant_key": "easemytrip",
+  "merchant_name": "EaseMyTrip",
+  "applies_to_issuer": "",
+  "card_id": null,
+  "valid_from": "2026-08-02",
+  "valid_to": "2026-08-31",
+  "last_verified": "2026-08-02",
+  "min_spend": 0,
+  "max_discount": 5000,
+  "network": "any",
+  "geo": "any",
+  "categories": [
+   "travel_flights"
+  ],
+  "channel": "online",
+  "requires_debit": false,
+  "requires_new_user": false,
+  "requires_promo_code": true,
+  "requires_upi_app": false,
+  "requires_prebooking": false,
+  "excluded_card_ids": [],
+  "type": "pct",
+  "value": 5.0,
+  "promo_code": "EMT2026",
+  "source": "https://www.easemytrip.com/offers/coupon.html",
+  "evidence": "5% instant discount on flight bookings Rs. 5,000 EMT2026"
+ },
+ {
+  "id": "of_easemytrip__pct_85872c",
+  "merchant_key": "easemytrip",
+  "merchant_name": "EaseMyTrip",
+  "applies_to_issuer": "",
+  "card_id": null,
+  "valid_from": "2026-08-02",
+  "valid_to": "2026-08-31",
+  "last_verified": "2026-08-02",
+  "min_spend": 0,
+  "max_discount": 750,
+  "network": "any",
+  "geo": "any",
+  "categories": [
+   "travel_flights"
+  ],
+  "channel": "online",
+  "requires_debit": false,
+  "requires_new_user": false,
+  "requires_promo_code": true,
+  "requires_upi_app": true,
+  "requires_prebooking": false,
+  "excluded_card_ids": [],
+  "type": "pct",
+  "value": 5.0,
+  "promo_code": "UPIPAY",
+  "source": "https://www.easemytrip.com/offers/upi-payment.html",
+  "evidence": "5% up to Rs. 750 This offer is valid for payment done via UPI method UPIPAY"
+ },
+ {
+  "id": "of_easemytrip__pct_1e10da",
+  "merchant_key": "easemytrip",
+  "merchant_name": "EaseMyTrip",
+  "applies_to_issuer": "",
+  "card_id": null,
+  "valid_from": "2026-08-02",
+  "valid_to": "2026-08-31",
+  "last_verified": "2026-08-02",
+  "min_spend": 0,
+  "max_discount": 1500,
+  "network": "any",
+  "geo": "any",
+  "categories": [
+   "travel_hotels"
+  ],
+  "channel": "online",
+  "requires_debit": false,
+  "requires_new_user": false,
+  "requires_promo_code": true,
+  "requires_upi_app": true,
+  "requires_prebooking": false,
+  "excluded_card_ids": [],
+  "type": "pct",
+  "value": 15.0,
+  "promo_code": "UPIPAY",
+  "source": "https://www.easemytrip.com/offers/upi-payment.html",
+  "evidence": "15% up to Rs. 1,500 This offer is valid for payment done via UPI method UPIPAY"
+ },
+ {
+  "id": "of_easemytrip__pct_bb7bf3",
+  "merchant_key": "easemytrip",
+  "merchant_name": "EaseMyTrip",
+  "applies_to_issuer": "",
+  "card_id": null,
+  "valid_from": "2026-08-02",
+  "valid_to": "2026-08-31",
+  "last_verified": "2026-08-02",
+  "min_spend": 0,
+  "max_discount": 150,
+  "network": "any",
+  "geo": "any",
+  "categories": [
+   "bus"
+  ],
+  "channel": "online",
+  "requires_debit": false,
+  "requires_new_user": false,
+  "requires_promo_code": true,
+  "requires_upi_app": true,
+  "requires_prebooking": false,
+  "excluded_card_ids": [],
+  "type": "pct",
+  "value": 7.0,
+  "promo_code": "UPIPAY",
+  "source": "https://www.easemytrip.com/offers/upi-payment.html",
+  "evidence": "7% up to Rs. 150 This offer is valid for payment done via UPI method UPIPAY"
+ },
+ {
+  "id": "of_easemytrip__flat_3039f3",
+  "merchant_key": "easemytrip",
+  "merchant_name": "EaseMyTrip",
+  "applies_to_issuer": "",
+  "card_id": null,
+  "valid_from": "2026-08-02",
+  "valid_to": "2026-08-31",
+  "last_verified": "2026-08-02",
+  "min_spend": 0,
+  "max_discount": null,
+  "network": "any",
+  "geo": "any",
+  "categories": [
+   "travel_flights"
+  ],
+  "channel": "online",
+  "requires_debit": false,
+  "requires_new_user": false,
+  "requires_promo_code": true,
+  "requires_upi_app": true,
+  "requires_prebooking": false,
+  "excluded_card_ids": [],
+  "type": "flat",
+  "value": 400.0,
+  "promo_code": "EMTUPI",
+  "source": "https://www.easemytrip.com/",
+  "evidence": "Instant Discount of Rs.400 has been applied successfully. Please note- EMTUPI Coupon is valid only on payments made via UPI"
+ },
+ {
+  "id": "of_easemytrip__flat_7dde75",
+  "merchant_key": "easemytrip",
+  "merchant_name": "EaseMyTrip",
+  "applies_to_issuer": "",
+  "card_id": null,
+  "valid_from": "2026-08-02",
+  "valid_to": "2026-08-31",
+  "last_verified": "2026-08-02",
+  "min_spend": 0,
+  "max_discount": null,
+  "network": "any",
+  "geo": "domestic",
+  "categories": [
+   "travel_flights"
+  ],
+  "channel": "online",
+  "requires_debit": false,
+  "requires_new_user": false,
+  "requires_promo_code": true,
+  "requires_upi_app": false,
+  "requires_prebooking": false,
+  "excluded_card_ids": [],
+  "type": "flat",
+  "value": 400.0,
+  "promo_code": "EMTNCF",
+  "source": "https://www.easemytrip.com/",
+  "evidence": "EMTNCF applied Congratulations! Zero Convenience Coupon is applied. You saved Rs.400 per passenger on domestic flight"
+ },
+ {
+  "id": "of_easemytrip__flat_3dca2f",
+  "merchant_key": "easemytrip",
+  "merchant_name": "EaseMyTrip",
+  "applies_to_issuer": "",
+  "card_id": null,
+  "valid_from": "2026-08-02",
+  "valid_to": "2026-08-31",
+  "last_verified": "2026-08-02",
+  "min_spend": 0,
+  "max_discount": null,
+  "network": "any",
+  "geo": "international",
+  "categories": [
+   "travel_flights"
+  ],
+  "channel": "online",
+  "requires_debit": false,
+  "requires_new_user": false,
+  "requires_promo_code": true,
+  "requires_upi_app": false,
+  "requires_prebooking": false,
+  "excluded_card_ids": [],
+  "type": "flat",
+  "value": 1500.0,
+  "promo_code": "EMTNCF",
+  "source": "https://www.easemytrip.com/",
+  "evidence": "Zero Convenience Coupon is applied. You saved Rs.1500 per passenger on international flight Convenience fees not applicable EMTNCF"
  }
 ]